Retention champions in California in 2025, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of October 11, 2026, the top 3 include Brian Minkow (CMG Mortgage, Inc., NMLS #256638), Scott Evans (CrossCountry Mortgage, LLC, NMLS #256163), and Kashif Shamshad (U.S. Bank National Association, NMLS #1492490).
Updated · Recorded mortgage transactions typically appear in this dataset approximately 22 days after the recording date.
| Rank | Loan officer | LO NMLS | Current Lender / Broker | Lender NMLS | Location | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $130.0M | 94 | 71.8% |
| #2 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $65.7M | 93 | 45.4% |
| #3 | Kashif Shamshad | 1492490 | U.S. Bank National Association | 402761 | Earth City, MO | $123.0M | 80 | 82.5% |
| #4 | Ryan Purpero | 68409 | U.S. Bank National Association | 402761 | Hopkins, MN | $96.6M | 72 | 75.0% |
| #4 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $83.6M | 72 | 75.0% |
| #6 | Limah Mangal | 633576 | loanDepot.com, LLC | 174457 | San Ramon, CA | $67.8M | 61 | 78.2% |
| #6 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $77.1M | 61 | 64.2% |
| #8 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $77.4M | 60 | 53.6% |
| #9 | Kevin Baboiyan | 1837815 | U.S. Bank National Association | 402761 | Newport Beach, CA | $70.1M | 58 | 85.3% |
| #10 | Liping Yi | 1241368 | Citibank, NA | 412915 | Sunnyvale, CA | $82.0M | 56 | 70.9% |
| #11 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $35.0M | 54 | 40.0% |
| #12 | Justin Brilman | 1137704 | loanDepot.com, LLC | 174457 | Hicksville, NY | $65.9M | 53 | 85.5% |
| #13 | Matthew Izaddoust | 8385 | JPMorgan Chase Bank, National Association | 399798 | Mountain View, CA | $70.2M | 52 | 50.0% |
| #13 | Kevin Oto | 62641 | Green Haven Capital, Inc. | 173062 | Sacramento, CA | $24.7M | 52 | 77.6% |
| #15 | Alber Saleh | 479975 | Wells Fargo Bank, National Association | 399801 | Corte Madera, CA | $89.0M | 51 | 59.3% |
| #16 | Sherry Ho | 834686 | Citibank, NA | 412915 | Pasadena, CA | $65.1M | 49 | 58.3% |
| #16 | Hannah Papazian | 1918022 | Vellum Mortgage, Inc. | 1657323 | Walnut Creek, CA | $32.0M | 49 | 62.8% |
| #18 | Christopher Yu | 1006860 | U.S. Bank National Association | 402761 | Cupertino, CA | $68.3M | 48 | 76.2% |
| #18 | Shelly Logemann | 298957 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $35.4M | 48 | 69.6% |
| #18 | Jose Magallanes | 491678 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $74.1M | 48 | 57.8% |
| #21 | Yuanzhu Li | 2005118 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $70.0M | 47 | 37.3% |
| #22 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $45.3M | 46 | 73.0% |
| #23 | Louis Manfredini | 243928 | U.S. Bank National Association | 402761 | Hopkins, MN | $64.1M | 45 | 84.9% |
| #23 | Satish Dadral | 450886 | Wells Fargo Bank, National Association | 399801 | Los Altos, CA | $75.0M | 45 | 52.3% |
| #25 | Benjamin Lerner | 395723 | Guaranteed Rate, Inc. | 2611 | San Luis Obispo, CA | $41.3M | 44 | 62.0% |
| #26 | Jeremy Forcier | 290878 | CrossCountry Mortgage, LLC | 3029 | Petaluma, CA | $23.7M | 43 | 61.4% |
| #26 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $16.5M | 43 | 68.3% |
| #28 | Jason Burt | 267301 | Coast 2 Coast Funding Group, Inc. | 92145 | Lake Forest, CA | $15.5M | 42 | 61.8% |
| #28 | Joshua Gullick | 943522 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $31.2M | 42 | 89.4% |
| #28 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $47.7M | 42 | 67.7% |
| #28 | Mohamed Eltawy | 450660 | Guaranteed Rate, Inc. | 2611 | San Diego, CA | $61.5M | 42 | 80.8% |
| #28 | Reynaldo Reyes | 883074 | Sharp Loan, Inc. | 1387935 | Orange, CA | $22.7M | 42 | 52.5% |
| #28 | Sean Herrero | 900669 | CrossCountry Mortgage, LLC | 3029 | Danville, CA | $42.2M | 42 | 64.6% |
| #28 | Yan Xu | 339629 | Wells Fargo Bank, National Association | 399801 | San Diego, CA | $47.3M | 42 | 79.2% |
| #35 | Nader Chahine | 259628 | Citibank, NA | 412915 | Manhattan Beach, CA | $58.3M | 41 | 78.8% |
| #36 | Serena Cheng | 242020 | Victoria Financial Corp. | 328196 | San Gabriel, CA | $26.3M | 40 | 64.5% |
| #36 | Michael Meena | 241370 | Augusta Financial, Inc. | 241911 | Santa Clarita, CA | $25.8M | 40 | 38.1% |
| #36 | Sarah Bradley | 853000 | loanDepot.com, LLC | 174457 | Pismo Beach, CA | $14.7M | 40 | 81.6% |
| #36 | Keyurkumar Parikh | 1551916 | Bank of America, N.A. | 399802 | Fremont, CA | $53.3M | 40 | 78.4% |
| #36 | Stephanie Spaulding | 298661 | Trinity Intercontinental, Inc. | 299129 | San Diego, CA | $27.8M | 40 | 61.5% |
| #36 | Kamran akbar | 389945 | ML Mortgage Corp. | 362312 | Rancho Cucamonga, CA | $19.6M | 40 | 66.7% |
| #42 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $44.1M | 39 | 62.9% |
| #42 | Sean Kitagawa | 98855 | JPMorgan Chase Bank, National Association | 399798 | Fremont, CA | $51.4M | 39 | 69.6% |
| #44 | Xueyan Jiang | 1778426 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $54.2M | 38 | 24.1% |
| #44 | Nicole Santizo | 582907 | Guaranteed Rate, Inc. | 2611 | Los Altos, CA | $43.8M | 38 | 61.3% |
| #44 | JIAXIN ZHANG | 1632001 | All Elite Loan, Inc. | 1988481 | Pleasanton, CA | $29.7M | 38 | 66.7% |
| #47 | David Sider | 254108 | C2 Financial Corporation | 135622 | San Diego, CA | $30.0M | 37 | 88.1% |
| #48 | Jessica Cao | 450802 | U.S. Bank National Association | 402761 | Irvine, CA | $32.6M | 36 | 52.9% |
| #48 | Hong Hu | 1363372 | Googain, Inc. | 275975 | Sunnyvale, CA | $27.2M | 36 | 81.8% |
| #48 | John Farrell | 374639 | Zions Bancorporation, National Association | 467014 | Irvine, CA | $41.8M | 36 | 80.0% |
These rankings are powered by MMI's nationwide residential mortgage public record dataset. MMI collects mortgage transaction data from recording jurisdictions across the United States, with an average data latency of approximately 22 days from the recording date.
Transactions are matched to NMLS identifiers for loan officers, lenders, and brokers where applicable. MMI then deduplicates, normalizes, and validates this data to create an authoritative mortgage production dataset that powers MMI's analytics, recruiting, marketing, and intelligence products.
Rankings reflect recorded mortgage transactions available to MMI at the time of the last data refresh. Recent activity may continue to update as additional transactions are recorded and processed.
TopMortgageOriginators.com. Retention Champions by Loan Count — California (2025). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2025
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